Information on Philhealth Contributions and Membership Renewal : What We All Need to Know

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We have been receiving a lot of questions about Philhealth contributions and membership renewals so we decided to run a research on these topics.  Below are just some of the questions we researched on; all answers were lifted from the Philhealth website and memorandum circulars available online:

  1. If I don’t get hospitalized in a year, can I refund my unused Philhealth contributions?
  2. Does Philhealth accept retroactive contribution payments?
  3. Do I need to pay more than one Philhealth contribution if I have multiple jobs?
  4. Are my Philhealth privileges transferable to my dependents after I pass away?
  5. Are employed Senior Citizens still mandated to make Philhealth contributions?

Read on:

  1. Can a member who has not used his Philhealth benefits for an entire year refund his Philhealth contributions?

The answer is no.  Philhealth members’ premiums are pooled to become a single fund which is then used to pay for the benefits of sick members.  It being a social health insurance program, whatever funds are not “used” by a member, are kept in the premiums pool.

2. Can a member, who has ceased making regular Philhealth contributions, still use his benefits?  If not, can he pay his missed contributions in lump sum and immediately become eligible for Philhealth benefits once again?

A member should have paid at least three months premium contributions within the immediate six-month period before his medical confinement and Philhealth benefits claim.  If the member is an Individually Paying member, he must have paid at least nine months’ contributions within the last 12 months in order to enjoy the following Philhealth benefits:

  • Pregnancy-related cases
  • Dialysis (except those undergoing emergency dialysis service during confinement)
  • Chemotherapy
  • Cataract Extension
  • Radiotherapy
  • Selected surgical procedures

Only active members (updated contributions payments) will be afforded Philhealth benefits.

Retroactive payments are only allowed if the member can show proof of sufficient regularity of premium contributions or payment of nine consecutive months or three consecutive quarters within the last 12 months prior to the missed quarter.  Should the member be able to execute the said proofs, he shall be given a grace period of one month immediately after the missed quarter to pay retroactively including the current calendar quarter.

Newly enrolled members (with less than 12 months totaled from date of enrollment), retroactive payment for the missed quarter including the current calendar quarter shall also be allowed within the month immediately following the missed period.

This privilege is granted only once every 12 months.

3. If an employed member who was separated from service last October 2011 wants to continue his membership as an Individually Paying Member in March 2012, can he retroactively pay the premiums for November to December 2011 and first quarter 2012, in March 2012?

Yes; the said member shall be given a grace period of one calendar quarter immediately after the unpaid quarterly period to retroactively settle his obligation.

4. Do I need to pay more than one Philhealth contribution if I have multiple jobs?

According to RA 7875 (Section 18-20 of IRR), employers are mandated to enroll their employees, deduct from their salaries the required premium contribution, and remit the same, together with the corresponding employer share, to Philhealth.  This means that Philhealth members who have more than one employment should consequently be deducted of their corresponding employee share by each and every employer with which they are currently employed.

5. Are my Philhealth privileges transferable to my dependents after I pass away?

No; a deceased member’s privileges are automatically terminated as well.  Only the dependents of a Sponsored Member are allowed to use the unexpired portion of the member’s contributions.

6. I already have a lifetime member card, but my current employer still continues to pay for my premiums.  Can these premium contributions be credited to my son/daughter’s membership when I retire?

As mentioned in item number 4, employers are mandated to pay the Philhealth contributions of their employees, including those within the Senior Citizen bracket.  The payments made are non-transferable  and cannot be credited to the Senior Citizen’s dependents after the member retires.

Sources: www.philhealth.gov.ph (Philhealth FAQs)

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61 thoughts on “Information on Philhealth Contributions and Membership Renewal : What We All Need to Know

  1. paano po pag indigent po ung membership tapos po 2016 pa po ung last mdr na hawak at wala pong nakuha na renewal na mdr ng 2017,maaari pa po bang magamit yun sa taong 2018 kahit 2016 pa yung mdr?

    1. Hi Celine,

      Nagkaroon ng auto-renewal para sa mga indigent members; kailangan ninyong malaman kung nasama kayo sa auto-renewal ng PhilHealth. Tumawag kayo sa 02 441 7442 para mag inquire. Ihanda ninyo ang Philhealth number ng member.

      Kung hindi kayo nasama sa auto-renewal, kailangan ninyong kumuha ng certificate of indigency sa barangay kung saan kayo na-isyuhan ng indigency dati.

      MC

  2. Good evening. Bayad po ako from July 2016 – June 2017, then Oct-Dec 2017. I’ll be giving birth sa March. Nagbayad ako last Dec thru Landbank ng mga nakaraang months sana kasi galing ako Qatar. Pero from October lang po daw ang pwede ko bayaran. So nagpunta ako sa philhealth kanina. Ang sabi po sa akin, hindi ko na daw pwede mabayaran ung July-Sept and magiging grounds daw po yun para hindi ko magamit ung philhealth ko. Kailangan ko daw ipresent ang ultrasound copy ko at bayaran ang buong 2018. Ganito po ba talaga??

  3. Individually Paying member po ang nanay ko. Kailan po ba nya pwede magamit ang benepisyo kung ngayon lang po sya nakapagbayad ulit? Ang binayaran po nya ay for 1 year contribution at ang kaso nya po ay myoma for surgical operation.

    1. Hi Hailie,

      Para makakuha ka ng tama at accurate na computation para sa contributions ng iyong nanay, tumawag ka sa Philhealth hotline sa 02-441 7442. Bukas sila 24/7 kaya pwede kang tumawag anytime.

      MC

  4. PAANO PO KUNG NDI NAKAPAGBAYAD NG 6 MONTHS IN 1 YEAR,PERO EMPLOYED PARIN PO…PWEDE KO PARIN PO BA MAGAMIT ANG PHILHEALTH KO SA SUNOD NA TAON KHIT EMPLOYER KO NGBABAYAD

    1. Hi Ronaldo,

      From the time po na nagbayad kayo (whether advance or sakto lang), kailangan nyo lang pong magpalipas ng 24 hours bago ninyo magamit ang benefits. Otherwise po, macha-charge kayo ng regular rates at walang sasagutin ang Philhealth.

      MC

  5. hi po dati po akong ofw last dect 2016 nag 4good na po ako.last payment ko po sept 2016 pwede pa po ba ako magbayad this oct po?at magkano na po babayaran ko ng 6 months lng.dati po kc 1 yr binabayaran ko.at pano ko po i change sivil status ko

  6. Pwede po bang maging beneficiary ako Sa Philhealth Ng asawa Ko kahit may sarili akong Philhealth yun nga Lang Hindi po Ito nhuhulugan separated na Kasi ako Sa dating trabaho Ko?

  7. Ang asawa ko po eh member dati ng philhealth masa kaso hindi na nya naiaupdate. Member po ako ng philhealth yung voluntary, pwede ko po ba syang gawing dependent na lang?

  8. Ask q po f pde magamit ng husband q my philhealh dhl ala kmi anak at xa benificiary q,schd xa coronary angiogram dis aug.self employed aq at minsan q lng nagamit philhealth ng ma dengue aq a few months ago.

    1. Hi Michelle,

      If your father is a senior citizen, he is automatically a Philhealth member and can avail of benefits.

      If he is less than 60 years old, you can declare him as your beneficiary.

      MC

  9. last november 2013 po last na hulog ko pwede po bang hulugan ko ang mga years na di ko nahulugan at kung sakaling gamitin ko this year 2017 pwede na po bang gamitin na?

  10. Gud am sir. ..isa po akong sponsored member sa philhealth nung 2016…nagamit ko po yun last year dalawang beses….
    Ngayon pong 2017 pumunta po ako sa offfice ng philhealth at huminge po ako ng bagong MDR…pero ang sabi inalis na daw ako sa listahan ng sponsored members…..hinde ko po alam ang reason bakit ako naalis na indigent man ako ma’am….ano po ba dpat ko gawin?

  11. Employed po ko bilang teacher nanganak po ko July 4,2017 sa portal ng philhealth contribution ko january to february 2017lng po napost na payment july na po now natatanggap po namin payslip andon po nadededuct monthly contributions sa philhealth but wala po napost contributionfebruarymarch april may and june.

  12. I retired from government service of 38 years service last Dec. 31, 2016, at an age of 641/2 years old. How can I get my Retirement Benefits from Phil Health? What are the documnets I need to submit? Please reply me thru my celfone number: 09215412899 or send your reply at my email address: nidaguarino@yahoo.com. Thank you very much!

  13. Kumuha po aqo philhealth year 2015 nung na cs aqo,after nun di qo na nahulugan ngayon po gagamitin qo ulit xa ngayong 2017 sa panganganak qo magkano po babayaran qo.

    1. Hi Allona,

      Hindi tumatanggap ang Philhealth ng retroactive contributions. Ituloy mo lang ang contributions mo ngayon. Pwede kang mag inquire sa Philhealth action center kung magkano ang pwede nilang i-cover sa panganganak mo given na hindi tuloy tuloy ang hulog mo.

      MC

  14. Ask lng po. San pwede magbayad ng philhealth po? mag renew kasi ako ng philhealth ko buong 2017 po babayaran Ko pakisagot po.. Thanks

    1. Punta ka sa malapit na Philhealth office sa iyo. Hinid mo na pwedeng bayaran yung nalagpasan na months. Basta magbayad ka lang ulit ng contribution mo para maging active ulit.

  15. Philhealth member kami, ng maaksidente nahulog ang apo ko sa puno na inakyat nya naapektuhan ang mga internal organs nya ng mapasama ang bagsak nya dahil cya ay payat pero ng lalabas na cya ng hospital sinabing hindi raw covered ng philhealth ang kaso ng apo ko…aksidente naman yon a..samantalang un panganganak ng buntis e covered nyo gayong hindi naman sakit ang pagbubuntis di ba…bakit yong nangyari sa apo ko aksidente walang gustong mahulog at maapektuhan ang internal organs nya bakit hindi daw covered ng benefit?

      1. Number 1 beneficiary ng anak no dahil cya any voluntary member pero ako ang nagbabayad dahil wala naman cya trabaho ako lang naghahanapbuhay sa amin ang asawa din walang trabaho.. Sponsored member cya last year ng maospital cya dahil kakapasok ko lang magkasambahay dito sa Manila noon. At expire na daw kaya dapat daw e-update sabi ng philhealth coordinator ng BGH Baguio,, as voluntary member pagkatapos ng palalabasin na ng hospital ang apo ko biglang sasabihin na Hindi daw covered ng philhealth ang nangyari sa apo ko ,,ano un discrimination?? Nahirapan na nga kami lalo pang pinahirapan.. May balance pa nga kami sa hospital..

  16. gud am,aak ko lng po kung pwd p nmin mkuha refund nmin ng maconfine due to dengue ang anak ko.it was july 2015.
    at gnun din po yung sa panganganak ko that was may 2015.pls.answer my question.thank you.

  17. Ang asawa ko po ay philhealth member, dependent po nya ako. Pwede pa po ba na mag pa member ako ng sarili ko as voluntary sa philhealth kahit ako ang dependent nya sa philhealth? At ano ang advantage na pareho kaming mag asawa na maging philhealth member?

  18. Ask ko lng po kung ano-ano po ang covered ng philhealth kung sakali manganak po ako sa isang philhealth accredited hospital… may iba pa po bang dapat bayaran?
    Voluntary Member.
    thanks po

  19. Hi po nag apply po aq philhealth january 2017 then manganganak po aq july 2017 magagamit q na po ba philhealth q?

  20. Hi hulig hulog Kong po 2014 tapos gusto Ko po Sana hulugan.pwde Ko po ba hulugan dito sa dubai at pano po paghulog sa philhealth…

  21. Hi my philhealth po ako but last payment ko is 2013 tapos d na ako nkabayad.pwd ko pa ba marenew ung philhealth ko?

  22. Ang asawa ko po manganganak ng sept..tapos hinulugan ko po ang philheath ko nuon feb..magagamit ko po ba ang philheath pag nanganak ang asawa ko..isa po akong ofw.

  23. Ang asawa ko po ay member ng philhealth 53 yrs old po sya, nagamit nya philhealth nya nung 2012 ng na stroke sya kya lng hndi na po sya nakapag bgay ng contribution na kasi wla na po sya trabaho dahil pwd na sya, magagamit pa po ba din nya yun kung itutuloy nya ang hulog nya ngayon?

    1. Hi, may tanong ako para sa pamangkin ko ofw pina activate ko ng philhealth nya ngayon august lang dahil gagamitin sana ng anak nya na babakalan ang kamay magagamit kaya nya ang philhealth nya
      Para sa anak nya na ooperahan ngayon end of august?.

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